The CONTRACT

1.1 These Terms govern the conditions of access to this website and the services offered (Named the "Service") and their conditions of use.
By using this Service you agree to be bound by these Terms. If you do not wish to be bound by these Terms, please do not use this service, and/or do not register.
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1.2 In these Terms and Conditions, the terms "Squares Union", "we" and "our" refer to Squares Union and its employees, directors, affiliates, successors and assigns.
Squares Union is a brand of the company 8986449 Canada inc., Registered in Canada under the law companies per share. The company is authorized and regulated by the AMF (the Autorité des marchés financiers Licence number: 902 537 and FINTRAC. Registration number: M15054701.
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1.3 The terms "you", "your" and "yours" refer to any user of the website Squares Union.
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1.4 These Terms and Conditions took effect from May 15, 2015.
These Terms and Conditions may be subjected to update.
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1.5 The Service is designed to help customers sending money to their relatives and to receive money sent by family and friends worldwide.
For security reasons, we recommend that you send money through the Service only to people you know personally. You must not use the service to send money to strangers, including private sellers of goods and / or services, or traders.
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2. DEFINITIONS

In these Terms:
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"Country of destination" means the country in which the beneficiary receives the money sent through the Service.
"Local taxes" means the taxes or fees payable in the country of destination.
"Payment options" means a valid option of payment such as a bank account, debit or credit card.
"Amount paid" means the amount paid to the beneficiary after conversion into currency and net of local taxes.
"Beneficiary" means any person who receives money through the Service.
"Shipper" means any person who uses the Service to send money.
"Service Fee" means the fee plus any applicable additional charge for each transaction.
"Service provider" means a bank or local exchange, or any third party service provider residing in the destination country and Squares Union with which collaborates to provide the Service.
"Transaction" is a specific instruction to send money through the Service.
"Transaction Amount" means the amount of money the sender wishes to send to the Recipient, excluding applicable fees and prior to any currency conversion.
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3. OUR OBLIGATIONS

3.1 Under these Terms, we agree to provide the Service with reasonable care. The Service may be totally or partially unavailable in some regions, territories or countries.
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3.2 We are not obliged to process all transactions. When you post a Transaction, you ask us to treat the Transaction on your behalf. We may, at our discretion, accept or refuse to process this transaction. However, if we decide not to treat it, we will notify you promptly and we will refund the amount you have paid us.
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3.3 Squares Union reserves the right time to time to modify or discontinue any or all of the Service without notice, and this at any time. We may, in our absolute discretion, refuse any Transaction or limit the amount to be transferred for each transaction or for multiple transactions on an account or on related accounts.
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3.4 We may, at our discretion, refuse Transaction validated by a sender or sent to a beneficiary, including, without limitation, legal and natural persons on the prohibition or restriction lists issued by the authorities. Additionally, Payment methods might be inaccessible to some customers and we can, at our discretion, refuse funded Transaction with certain forms of payment.
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3.5 We will attempt to process transactions quickly. However, a Transaction may be delayed or canceled for several reasons, including but not limited to, the following: our identity verification procedure; validation of your transaction instructions; communication with you; to compliance with applicable law; or because of changes to opening hours and currency availability.
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3.6 We will try to provide the Sender and the Recipient updated information on the addresses and opening hours of our Service Providers through our website. However, you agree that Squares Union can not be held responsible for any inaccuracy of this information or for any consequential loss that may result from incorrect or incomplete information.
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4. OBLIGATIONS

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4.1 Not to access the Service, nor to use or attempt to use it if you are aged under 18 and do not have the legal capacity to contract in the territory concerned;
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4.2 For each of your transactions, we pay the service fee in addition to the amount of the transaction. Payment is due at the time you submit your Transaction. If you validate a transaction that results in costs for Squares Union, including, without limitation, costs of chargeback or other expenses, you agree to reimburse those expenses Squares Union;
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4.3 Regarding your registration and use of the Service to:
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4.3.1 provide truthful evidence, accurate, current and complete your identity and to quickly update your personal information if they were to change;
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4.3.2 provide our providers information about one or more forms of payment; and
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4.3.3 provide us with true information, accurate, current and complete for all Transactions.
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Squares Union accepts no liability for damage resulting from non-payment or late payment of a money transfer to a beneficiary, or a failed business transaction through the Service for any of these reasons.
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4.4 When you pay a Transaction in one currency and that the beneficiary is paid in a different currency, the conversion rate at which we buy the currency and the exchange rate that we apply to your Transaction are different. This difference generally results in a minor profit from Squares Union and its Service Providers. If the account is denominated in another currency, the amount that the Beneficiary will be reduced by the amount of the additional charges incurred by the incorrect information you provided us, and we will not be required to compensate for this reduction;
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4.5 When you send money to these terms and conditions, it is your responsibility to check beforehand the accuracy of all information relating to the Transaction. Once a transaction is sent for processing, it is normally impossible to edit. You can confirm your transaction before validating. At that time, check the information provided.
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4.6 What Squares Union disclaims all liability in respect of any expenses you might incur by using a Method of payment to fund your transaction. It may be, including, without limitation, overdraft fees charged by a bank if your bank account is not sufficiently funded or additional funds and interest advance fees taxed by credit card providers if they consider the use of the Service as a cash transaction, rather than a purchase transaction;
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4.7 To use the Service only to send money to people you know personally and not to pay for goods and services. If, in violation of this article you choose to use the Service to third reward in exchange for goods and services, you agree that Squares Union has no control over, and accepts no responsibility for the quality, safety, legality or delivery of those goods and services, and you assume full responsibility for such use of the Service. If Squares Union reasonably believe that you are using the service to purchase goods or services, it reserves the right to cancel the Transaction;
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4.8 The Beneficiary and yourself, of acting only on your own behalf. You can not send or receive transaction for the account of a third party. If you plan to send or receive a Transaction on behalf of a company or any other entity than an individual, you must inform us and provide us with any additional information we will ask you to decide whether we allow the Transaction;
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4.9 That the use of this service implies compliance with these Terms and any law, rule or regulation. Use the Service to send money (i) to a beneficiary who has breached the Terms or (ii) linked to illegal activities, including, without limitation, money laundering, fraud and the financing of a terrorist organization, is a violation of these Terms. If your use of the Service is linked to unlawful activity, Squares Union can point you to competent legal authorities;
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4.10 By using our Website or the Service, or by interacting with Squares Union, a user or a third party, you will not:
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4.10.1 violate these Terms or any other contract between you and Squares Union;
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4.10.2 open multiple accounts without our prior written permission;
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4.10.3 provide false, inaccurate or misleading information;
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4.10.4 allow a third party to access your registration information but rather the security of such information;
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4.10.5 refuse to confirm any information you provide, including through a credential, or refuse to cooperate with an investigation;
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4.10.6 use a proxy anonymizer (tool to remove traces of activity); or
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4.10.7 copy or monitor our website with the help of a robot, a crawler or other automatic device, or manual process, without our prior written permission.
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4.11 What Squares Union may, if necessary for the provision of the Service, storing all required information on a Beneficiary to certify his identity or any information related to its Transaction. This evidence may include official ID valid on the list of eligible materials provided by the Service Provider and / or a Transaction reference number, a personal identification number (PIN), a password, a secret word, or similar identifier.
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5. CANCELLATION AND REFUND

5.1 If you encounter problems when using the Service, you must contact us by one of the option proposed at the end of these Terms.
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5.2 The law provides that you can cancel the contract with Squares Union after sending a Transaction. This rescission right is valid fourteen (14) days after the dispatch of the Transaction or until the contract comes to an end because of our payment of the amount paid to the Beneficiary, if this occurs earlier. If, under this article, you exercise your right of cancellation, we can apply a cancellation fee.
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5.3 If, under this article, you want to exercise your right of cancellation, you must send a written request by one of the means proposed at the end of these Terms, indicating the full name and address of Shipper, telephone number and the reference number of the Transaction, the Transaction amount and the reason for the claim.
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5.4 The refund will be credited on the option of payment which served to finance the Transaction and in the same currency. No adjustment will be payable in respect of currency fluctuation occurred in the meantime.
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6. INFORMATION COLLECTION

6.1 Customer Identification Program. The law requires all financial institutions to participate in the fight against money laundering and financing of terrorist organizations by obtaining the identity of all their customers, and checking and recording this information. Therefore, we may ask you to provide your personal identifying information. We can also see, by legal means, other sources for information about you.
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6.2 Controls and audits. To confirm your identity, we will verify the home address and personal information. We may also disclose your personal information to a credit bureau that is likely to retain the information. However, this process is intended only to confirm your identity and will not give rise to any credit check or credit evaluation. All information you provide will be treated securely and strictly in accordance with the law on protection of personal data.
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6.3 By accepting these Terms, you authorize us to conduct any investigation we consider necessary to validate the information provided. To do this, we can proceed directly, requesting additional information from you, asking you to confirm ownership of your forms of payment or your e-mail address; or indirectly, by verifying your information with third-party databases; or through other sources.
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6.4 Data Privacy Policy. You agree that we treat your personal information to provide the service, including for verification under this article. You also agree that we use this data to contact you and for legal purposes, accounting and archiving. You acknowledge having read and accepted the Privacy Policy of the Squares Union data.
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6.5 Disclosure at the request of the authorities. We may be legally required to provide the government and any competent authority with information about your person and your Transactions, in accordance with our data privacy policy. Hereby, you acknowledge and accept our right to do so.
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7. INTELLECTUAL PROPERTY

7.1 Squares Union website and Services, their contents, any associated intellectual property (including, without limitation, copyrights, patents, sui generis rights of database, trademarks and service marks) are owned by Squares Union, its affiliates or third parties. All rights, title and interest related to the website and Squares Union Online Services shall remain the property of Squares Union and / or property of such third parties.
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7.2 Squares Union website and Services can be used only for purposes authorized by these Terms and Conditions or described on this website. You may consult the pages of the website Squares Union and keep a copy for your personal use only. Without the written consent of Squares Union and in any manner whatsoever, you may not reproduce, publish, modify, publish on the Internet, distribute or exploit in whole or part the website Squares Union and Services or used to create derivative works or participate in the transfer or sale, for public or commercial use. You may not: (a) use any robot, crawler, content extraction script or other automated device to access the Squares Union website or Squares Union Services or (b) remove or edit a copyright notice, trademark legend or a statement or on the rights of intellectual property displayed on the Web site of Squares Union (or printed pages of the site). The name Squares Union and other names and property signs of goods and / or services Squares Union to which reference is made on the website are the Squares Union exclusive brands or third parties. Other product names, services or companies mentioned on the website may be the trademarks of their respective owners.
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8. WARRANTY AND LIABILITY

8.1 We will refund any profits resulting from a violation of the contract between you and Squares Union. For example, in case of failure of a money transfer in these circumstances, we will refund the amount of the transaction and the service fee.
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8.2 If a money transfer fails or is delayed, you are entitled to a refund or compensation under the law governing the provision of international money transfer services. For your right to a refund or compensation, contact us by one of the means proposed at the end of this contract.
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8.3 Any claim for compensation sent by you and / or Beneficiary (not registered with Squares Union) must be accompanied by supporting documents.
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8.4 If you or a Beneficiary (not registered with Squares Union) suffer a loss not giving entitlement to a payment under the legislation invoked by section 8.2, Squares Union accept responsibility for that loss only to the extent of higher of: (a) the amount of any service charge; and (b) $ 500, unless otherwise agreed in writing Squares Union. Our limit of liability applies only to a claim for loss arising from a transaction or related transactions, or (if a loss does not result from one or more transactions) any act, event or omission or acts, events or omissions related. For example, if you suffer a loss resulting from our failure to perform the contract between you and Squares Union in two independent transactions with each other, you are entitled to claim up to $ 1,000.
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8.5 In all cases, we are not responsible for:
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8.5.1 Any failure to perform your instructions as a result of circumstances that could reasonably be considered beyond our control;
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8.5.2 Any failure of communications that can not reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;
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8.5.3 Any loss or delay in the transmission of messages resulting from the use of an Internet service provider or caused by any browser or other software beyond our control;
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8.5.4 Any errors on the website or with Service caused by incomplete or incorrect information that you or a third party have provided.
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8.6 When you send a money transfer to a beneficiary is not registered with our services, you agree that the provisions of Article 11 apply to yourself but also to the Beneficiary.
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8.7 The relationship established under this contract binds you and Squares Union. You agree that no affiliate or agent Squares Union is indebted to you of any duty of care when performing a task that would have been achieved by Squares Union under this contract.
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8.8 You agree to cover Squares Union, together with its subsidiaries, affiliates, officers, directors, employees, agents, independent contractors, advertisers, partners and co-branding partners for any loss, claim, action, demand or damage, including reasonable legal fees, arising from your use or from your misuse of this website or service site for all activities that occur under your password or login name for your account, your violation of these Terms or any Another violation of the rights of another person or a third party.
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9. ELECTRONIC COMMUNICATIONS

9.1 You agree that these Terms and Conditions shall be entered into electronically, and that the following categories of information ("Communications") may be provided electronically:
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9.1.1 These Terms and any changes or additions made to it;
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9.1.2 Recording your transactions through the Service;
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9.1.3 Any publication or statement provided initial, periodically or in some other way, linked to the Service, including, without limitation, those required by law;
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9.1.4 Any communication of customer service, including, without limitation, communications related to claims in respect of error or unauthorized use of the Service;
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9.1.5 Any other communication related to the Service or Squares Union.
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9.2 The Service does not allow the provision of Communications in paper format or through other means electronically. You may cancel your consent to receive electronic Communications. In doing so, this cancellation results in the termination of your use of the Service. To withdraw your consent, you must contact us by one of the means proposed at the end of these Terms.
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9.3 To access and retain Communications, you must have the following or have access to:
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9.3.1 A web browser that supports 128-bit encryption, such as Internet Explorer 10.0 or later;
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9.3.3 A personal computer, a tablet computer or a smartphone, an operating system and Internet that supports the above connection;
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9.3.4 A hard disk or other storage device with sufficient electronic storage capacity; and
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9.3.5 A printer capable of printing from your browser and e-mail client. In addition, you must communicate any changes to your e-mail address by updating your profile on the http://www.Squaresunion.com website.
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10. TERMINATION

10.1 Each party may terminate these Terms and Conditions by written notification prior to a date.
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10.2 We may terminate these Terms with immediate effect if:
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10.2.1 become or are likely to become insolvent or are declared bankrupt;
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10.2.2 violate any provision of these Terms;
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10.2.3 use the Service or the Web site deleteriously for other customers Squares Union or if we believe you are committing an act capable of discrediting Squares Union;
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10.2.4 violate or attempt to violate the security of the website (including but not limited to: modifying or attempting to modify information; by connecting with unauthorized identifiers, by accessing data or the removing unauthorized manner, by interfering with the service, the system, the host or network by conducting a reverse engineering; in spamming; hacking; by falsifying data by introducing viruses, trojans, worms or any other program or destructive or damaging the motor; or by putting safety to the test in some way).
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11. CLAIMS

11.1 To make a claim on the Squares Union service, please send an e-mail to the address on the Contact Us page or an e-mail to [customerservice@Squaresunion.com].
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11.2 We will acknowledge your complaint within two working days. We will proceed with investigations and will present the results of our investigation within seven working days from the date of receipt of your claim.
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12. GENERAL

12.1 Governing Law: This Agreement is governed by Canadian law and the parties submit to the exclusive jurisdiction of Canadian courts.
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12.2 No Waiver: The failure Squares Union in the exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
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12.3 Change: we can change these Terms and Conditions at any time without notice to you, except to the extent provided by law. You can review the most current version of these Terms at any time on this website. You may terminate your use of the Service if you dispute a change. If you use the Service after the effective date of a change, you are deemed to have accepted this change. You agree not to modify these Terms, and you acknowledge that any attempt to change these Terms by you shall prosper.
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12.4 Complete Agreement: This agreement constitutes the entire agreement between the parties and supersedes any agreement or contract covering the subject of this contract.
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12.5 Severability: If any provision of these Terms should be considered invalid by a competent court or arbitrator, the parties nevertheless agree that the arbitrator or court should endeavor to implement the intentions reflected by the Terms stipulation, and the remaining provisions of these Terms will remain in full force.
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12.6 External links on the website lead to third party websites are provided to help you. These sites are in no way controlled by Squares Union and we assume no liability for the accuracy, completeness, legality or any other aspect of these sites including contents. You access these sites at your own risk.
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Security

Squares Union takes security very seriously.
We strive, using advanced technologies to ensure the security of your information.
The Service Squares Union is a safe and convenient way to send money to your loved ones, or people you trust.
However, we recommend great caution facing sending money to someone you do not know or know little.
In particular, be very cautious with deals too good to be true, because it is probably scams.
If you know a person or entity using the Service inappropriately, please let us know by filling out this form.
Similarly, if you receive an e-mail supposed to come from Squares Union, you suspect is a phishing attempt (a fake e-mail), please transfer by filling out this form.
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